Date Received: 2022-04-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I requested a payoff of my Chrysler Capital auto lease to purchase the car and received the payoff letter dated XX/XX/XXXX by email. The payoff included the vehicle purchase price, purchase option fee, unpaid vehicle property tax ( {$330.00} ) for XXXX, and miscellaneous fees all of which I agreed with. I sent the total payoff amount paid by cashier check issued by my bank to Chrysler Capital by courier. The payment was posted to my account XX/XX/XXXX. On XX/XX/XXXX I received a demand for unpaid vehicle property taxes of {$380.00} for XXXX. In reviewing my past account statements I found that the company incorrectly allocated my payment of {$690.00} on XX/XX/XXXX to the base lease {$650.00} and sales tax of {$39.00}. The allocation should have been base of {$350.00}, property tax {$300.00}, registration fee {$15.00}, and sales tax of {$21.00}. My complaint is that Chrysler Capital ( aka Santander Consumer USA ) misapplied my property tax payment in XX/XX/XXXX, collected an additional {$330.00} at the time of pay off, and is overbilling me for {$380.00}. I have told each agent I spoke with that I am in agreement that the {$330.00} was an estimated amount and that all I owe is the difference between the requested amount and the amount included in the payoff amount. My account reflects " past due '' although I paid the full amount in the payoff letter by the stated date.
Company Response:
State: KY
Zip: 41091
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2022 around XXXX pm I received a disrespectful call from Chrysler Capital employee in the executive office that goes by the name of XXXX employee ID # XXXX. XXXX proceeded to tell me that they received my FTC report concerning the loan and wanted to know what they should do. I told XXXX since I filed a report with the Federal Trade Commission I would like for you to accept the report and I would like for you to 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files. XXXX reply in said : 1. " Chrysler Capital will not be making any adjustments to the account ''. 2. " Chrysler Capital has reviewed the account and they declared it's valid ''. 3. " Chrysler Capital will not be releasing the lien on the title. XXXX was very rude and also had poor customer service. Below my FTC report is enclosed.
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The dealership told me that if I stayed in good standers for a year that I could come back and upgrade my truck to something better that I really wanted so I did and the dealership said that I couldnt upgrade so I called Chrysler capital to refinance my loan and they said they dont refinance their own loans and to me all that was a slap in the face!!!!!
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander consumer USA keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: In XXXX I purchased a XXXX vehicle for the purchase price of {$18000.00} financed through Santander Consumer USA. Ive made {$12000.00} and yet my remaining balance is {$17000.00} with the payoff amount {$19000.00}. The company has been sued by several states for predatory lending practices and has been required to offer customers some resolutions however when I contacted them they tell me I have no options but to continue make payments that dont go to the balance of the loan.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fact, CHRYSLER CAPITAL is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, CHRYSLER CAPITAL is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize any of these lenders to pull my credit.
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No XXXX release to collect on this debt either
Company Response:
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I purchased A car XXXX XXXXXXXX XXXX XXXX from XXXX XXXX, XXXX in. XX/XX/XXXX. I think I may have been part of XXXX XXXX. I traded in a XXXX XXXX XXXX ( XXXX ). The XXXX did have a balance and with the price of the XXXX XXXX my payments seem to be high at {$450.00} biweekly. This is my first car financing on my own and maybe there were some things i didn't understand regarding financing. I didn't realize I would spend {$900.00} a month for a car note. In further review of my paperwork i realized I have gap insurance, but no one discussed this with me ; Hence the gap document isn't signed by me. gap insurance is something i could've picked up off my car insurance. I'm assuming the extra $ XXXX is from gap. I was under the impression my entire car note was {$450.00} a month with {$250.00} biweekly payments. I'm now in jeopardy of losing this vehicle, as it's been very difficult to maintain life. I needed the vehicle to have reliable transportation due to a son on the XXXX with therapy Appointments. weekly. He has a certain school he must maintain days enrolled and needed reliable transportation. if someone can review my sales contract to see if this was predatory lending or an issue of a misunderstanding. Thank you in advance for the prompt assistance. There are discrepancies with my trade in amount, upside down balance and GAP charge.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In accordance with the Fair Credit Reporting act Santander /Consumer USA Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: SC
Zip: 29646
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A